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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $217,438 | $165,381+31.5% | $149,730+45.2% | $158,966+36.8% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 11.65% | 348.29%-336.6pp | 276.70%-265.1pp | 302.95%-291.3pp |
| Employer contribution / active EE | $1,810 | $5,104-64.5% | $4,645-61.0% | $4,762-62.0% |
| Participant deferral / active EE | $7,056 | $7,182-1.8% | $6,843+3.1% | $5,983+17.9% |
| Admin fee / account holder | $314 | $10,809-97.1% | $9,310-96.6% | $11,250-97.2% |